Verification APIs for Fintech & Payments
Onboarding and payout APIs for fintechs - UPI and VPA validation, penny drop, PAN and Aadhaar checks, and BIN lookups for card programmes.
Fintechs onboard at volume and pay out in real time, which makes every failed verification an operational cost rather than a compliance footnote.
These APIs cover the payments-specific surface - VPA resolution, penny drop and penny-less account checks, BIN lookups - on top of the identity set every regulated product needs.
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Banking
- Bank Verification Hybrid Verify any Indian bank account with automatic routing between penny-drop and penny-less checks, so you get the fastest valid result every time.
- Bank Verification Penny Drop Confirm an Indian bank account is live and correctly owned by depositing one rupee and reading back the account holder name from the bank.
- Bank Verification Pennyless Validate an Indian bank account and fetch the account holder name without transferring any money, using real-time banking network data.
- IFSC Search Look up any Indian bank branch by IFSC code and get the bank name, branch, address, city and supported payment rails in one call.
- Mobile to Bank Find the bank accounts linked to an Indian mobile number, so customers can confirm an existing account instead of typing one in.
- Penny Drop Initialize Start an asynchronous penny-drop verification and receive a reference ID you can poll, built for bulk and queue-based account checks.
- Penny Drop Verify Fetch the outcome of an asynchronous penny drop using its reference ID and get the verification result with the account holder name.
- VPA to Account Details Resolve a UPI VPA to its underlying bank account and holder name, verifying a payment address before you settle money to it.
Employment
Finance
Identity
- Aadhaar Validation Verify an Indian Aadhaar number and get essential identity insights, confirming the number is valid and in use.
- Aadhaar XML Verification Verify an offline Aadhaar eKYC XML by validating UIDAI's digital signature and extracting identity, address and photograph.
- DIN to PAN Find the PAN associated with a Director Identification Number, linking corporate roles to tax identity.
- E-Aadhaar Verify Extract and verify Aadhaar details from an uploaded e-Aadhaar document, combining extraction with validation in one step.
- Email Check Verify an email address is legitimate and deliverable, filtering out disposable, invalid and undeliverable addresses.
- Email Verification Send OTP Send a one-time password to an email address to begin verifying the customer controls that inbox.
- Get Company Details Get a company's full MCA profile including charges, compliance status and director details from its Corporate Identity Number.
- Get PAN Essentials Retrieve a PAN holder's essential details, including name, date of birth and gender, for identity matching.
- IP Quality Check Assess an IP address for risk, returning ASN, ISP, geographic location and indicators of malicious activity.
- MNV Without OTP Verify an Indian mobile number and get subscriber and network details without sending an OTP to the user.
- MNV Without OTP Basic Get essential subscriber and network details for a mobile number without OTP, in a lightweight verification call.
- Mobile to Address Retrieve address details linked to a mobile number, aggregated from telecom, utility and financial data sources.
- Mobile to Name Retrieve the registered full name for an Indian mobile number using telecom and banking-grade verification sources.
- Mobile to PAN Find the PAN linked to a mobile number and name, validated against trusted telecom and financial data sources.
- Mobile to RC Find vehicle registration numbers associated with a mobile number, validated against transport and insurance databases.
- Mobile to VPA Map a mobile number to its UPI virtual payment address and account holder name for quick payment verification.
- PAN Aadhaar Link Lookup Fetch PAN-Aadhaar linkage status together with the masked Aadhaar number linked to the PAN.
- PAN Advanced V2 Check a PAN and confirm its validity, holder details and Aadhaar linkage status in a single advanced verification call.
- PAN Comprehensive Retrieve extensive PAN card data for an individual, covering identity details, status and linked information in one call.
- PAN Lite Get the registered name for a valid PAN, a lightweight check for name matching and bulk validation.
- PAN to DIN Find the Director Identification Numbers associated with a PAN, revealing an individual's company directorships.
- Pan Aadhaar Link Status Check whether a PAN is linked to an Aadhaar number and get the current linkage status directly.
- Pan Aadhaar Link Verify Verify PAN-Aadhaar linkage against a specific Aadhaar number, confirming a declared pair actually matches.
- Pan Comprehensive with Aadhaar Check Retrieve full PAN data and validate the linked Aadhaar number in a single call, covering identity and linkage together.
- Pan Udyam Check Check whether a PAN is registered under the Udyam MSME system, confirming small business status from a PAN alone.
- Risk Analyzer Detect identity mismatches across customer data points and get a fraud risk assessment for the application.
- Validate Email OTP Validate an email one-time password and confirm the customer controls the address they supplied.
Merchant
- Company Name to CIN Find a company's Corporate Identity Number and registration status by searching its name in the MCA registry.
- GSTIN By Pan Retrieve every GSTIN linked to a PAN, with the state and current status of each registration.
- Mobile To Prefill Prefill a customer's KYC profile from a mobile number, returning name, contact details, addresses and demographic attributes.
- Mobile to MSME Find MSME Udyam registration details linked to a mobile number, from official government and business registry sources.
- PAN to Udyam Details Fetch Udyam registration and enterprise details for a business using its PAN, without needing the Udyam number.
- Udyog Aadhaar Verification Verify a legacy Udyog Aadhaar registration using its UAM number and retrieve the registered enterprise details.
Mobile
- MNV Generate OTP Send a verification OTP to an Indian mobile number and receive a reference ID for confirming the code and the subscriber details.
- MNV Submit OTP Confirm a mobile number by validating its OTP against the reference ID, returning verified subscriber and network details.
- Mobile 360 Profile Build a complete identity, financial and business profile from a single Indian mobile number, in one aggregated API call.
Utility
Vision
- Aadhaar Masking Mask the first eight digits of an Aadhaar number in a document image, returning a redacted copy that is compliant to store.
- Mobile Invoice OCR Read invoice details, customer and retailer information, tax amounts and asset details from mobile device purchase invoices.
- OCR Aadhaar Extract the Aadhaar number, name, date of birth, gender and address from a photo of an Aadhaar card, ready for identity verification.
- OCR PAN Read PAN number, name, father's name and date of birth from a PAN card image and return them as structured, verifiable data.
Use cases
What Fintech & Payments teams verify
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Resolve a UPI VPA to account details before a payout
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Validate a bank account without a debit using penny-less verification
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Identify card issuer and network from a BIN
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Verify PAN and Aadhaar during customer onboarding
Building for Fintech & Payments?
We will walk you through the APIs on this page and which of them your journey actually needs.
- One API key for every check
- Verified against official Indian records
- Built for onboarding at scale